刘薇谈理财

[color="#4169e1"]刘薇
Financial Security Advisor
北京大学经济学硕士
[color="#4169e1"]514-606-6767
[color="red"]liuweilife@gmail.com
www.liuweilife.com
http://www.sinoquebec.com/bbs/showthread.php?t=672575

[color="green"]代理多家旅游保险公司产品。根据年龄、逗留时间长短、身体健康状况，量身定做，最优保险产品选择。

[color="#8b0000"]探亲保险参见：
http://www.sinoquebec.com/bbs/showthread.php?t=672575


[color="blue"]ETFs 保险公司留学生医疗保险简介(以英文保险条款为准)：

资格要求:  65 岁及以内全日制学习  
受保范围 : 最高保额：$1,000，000；
住院最长不超过 60 天；
部分检查需要保险公司事先同意。
牙意外：$4000
牙疾病：$600
处方药：最多 30 天用药。
救护车：是。
空中急救交通：须公司安排。
私人护理：每种病$10,000
心理医生治疗：$500
辅助医疗服务：语言治疗师、物理治疗师、整骨治疗师等每个专业治疗师最高$500。
眼睛检查：$100(受保已有至少 180 天)
境外医疗费用：至少 51%受保期间在加拿大。若是美国旅行最长不超过 30 天。
葬礼费用：$10,000 运回国或$5000 就地安葬费用。
送回国接受治疗旅费：$5000，单程经济舱。
住院时陪同人员食宿：$1500 ($150/天)及$5000 来回
经济舱机票（但必须是住院 7 天或更长）。
意外死亡或肢体分离额外赔偿：$15,000
飞行或公共交通意外死亡额外赔偿：$100,000

不受保或有限受保范围:
旧病：过去 90 天有过就诊、住院、症状、或处方药的疾病不保。
续保前已有症状的疾病，续保不保。
怀孕：须保单生效日期以后怀孕，最高$1000 与怀孕或怀孕引起疾病相关费用，但生产或自愿终止怀孕费用不保。
专业或高危运动：不保。
酗酒、泛用药相关疾病：不保。
情绪、心智、神经失调：不保。

[color="blue"]保费：470/年 ， 1.45/天



[color="blue"]TIC保险公司留学生医疗保险英文简介(以英文保险条款为准)：

Plans for International Students

When travelling outside of your home country, your government health care plans don't travel with you. Health care costs in Canada are very expensive. Hospitals can charge thousands of dollars per day, with many Canadian hospitals charging a non-resident fee to patients not covered under a government health insurance plan.

International Student Insurance from TIC helps protect you and your family from unexpected costs due to a medical emergency while you are studying in Canada. We will be there to make certain you
get the care you need.

Ideal if you are:
•        Enrolled in at least 60% of the required courses for a specific program at a Canadian school, college, university or accredited educational institution
•        A temporary resident of Canada without any government health care coverage
•        Have completed your studies and remain up to a year in Canada to work in the field of your studies
•        Would like coverage under your policy for dependents living with you

Features and benefits
•        Emergency Hospital and Medical coverage
•        24/7 access to multi-lingual emergency assistance
•        Affordable all-in-one hospital, medical and extended health care solution
•        Two plans to choose from for flexible, convenient coverage

The following is a summary of coverage included in the overall maximum of $2 million per insured person.
[color="blue"]Standard Plan        (EXCLUDES any pre-existing medical conditions).
Accidental Death & Dismemberment:        $15,000
Accidental Dental:        $5,000
Dental Emergencies:        $600
Diagnostics, Lab Tests and X-rays:        up to overall maximum
Drugs or Medications:         up to a one-month supply
Emergency Air Transportation/Return Home:     up to overall maximum
Eye Examination:        one per year
Follow up visits:     up to $3,000
Hospital Confinement and Medical Services        up to overall maximum
Maternity Benefit        up to $1,000
Physician, Surgeon, Anesthetist, Nurse:        up to overall maximum
Physical Examination:          one per year
Return of Deceased:           $15,000
Transportation of Family or Friend:        $5,000
Wisdom Teeth:          $100 per tooth


The following benefits have an overall combined
maximum $10,000.
Ambulance services; private duty nursing; radiology; physiotherapist; osteopath; podiatrist; chiropractor; rental of wheelchair, crutches, hospital bed. Purchase of splints, trusses, braces, prosthetic appliances. Oxygen and equipment for its administration, blood and blood plasma.

[color="blue"]Enhanced Plan - The following benefits are in addition to the benefits included in the Standard Plan

•        90 day stability clause for pre-existing medical conditions
•        Maternity benefits up to $10,000
•        Psychologist and Psychiatric Care Benefit
•        Inpatient: $10,000; Outpatient: $1,000

[color="blue"]保费：
Standard Plan ：1.35/天，492.75/年
Enhanced Plan:    1.85/天 ，    675.25/年